[Resolved]  HDFC Bank — HDFC Bank Credit Card and Saving Account

HDFC Bank — SB balance held by credit card dept without my knowledge

The HDFC credit card dept has held my saving's account balance (corporate account) in spite of me having no credit card of the bank. Plus no one from the bank is willing to provide me any solution for the problem.

Dear Mr. Puri,

I trust that you will look into my following issues which I am facing since Six Months and none of your officers have addressed my concern to my satisfaction.

1. My Net banking is locked for the last two weeks but still unresolved despite follow-up with Customer support Supervisor and Your Nodal officer pls refer to detail mail below.

2. Your bank credit card department misbehavior and negligence has troubled me lot. They have debited unauthorised transaction on my card ([protected]) and as a result my card has become over limit and they have started demanding outstanding. This is not end to my mental agony now bank has raised statement with new card No. and forfeited my reward point of old card also they did not send card physically to me.

3. Intentionally dishonored my ICICI credit card cheque twice even though sufficient fund was in my account as result I had to pay huge penalty to ICICI card and my credit rating has degraded.

If need be I can provide all the detail.

As I am corporate customer I thought as a last resort I should address my concern to you before going to other legal authorities, I am sure from your busy schedule you will look into my problem. If despite my request, I will not receive any reply on my concerns in three days I will be forced to look for other options to address my concern.

Regards,
Alok Srivastava
Note - Pls do not make call on my cell from 10.30 AM to 7.30 PM



______________________________________________
From: Srivastava, Alok
Sent: Tuesday, September 23, 2008 11:57 AM
To: 'shrinivas.[protected]@hdfcbank.com'
Cc: '[protected]@hdfcbank.com'
Subject: RE: SB A/c No.[protected] Customer ID 1396197

Hi,

I feel it very sorry for HDFC Bank management that even after escalation to Nodal officer things are not getting resolved after four days and still my net banking login is not unlocked.

Now I have two options either I escalate to MD level or highlight to media about inefficiency of Bank customer support.

Regards,
Alok Srivastava

Srivastava, Alok
Sent: Friday, September 19, 2008 5:47 PM
To: 'shrinivas.[protected]@hdfcbank.com'
Cc: '[protected]@hdfcbank.com'
Subject: SB A/c No.[protected] Customer ID 1396197
Importance: High

Sir,

Its looks like to me your Customer care desk is non functional as I had made call on 17th Sept 08 at 13.50 PM and spoke to Supervisor Ms Sandhya Malhotra regarding my Net banking Locked and I was informed that it will be working within 24 Hrs but I am sorry to inform it is not working.

Can I expect a action form you as I am getting frustrated, I had tried Number of times Bank Customer care desk but always I do not get any result.

Regards,
Alok Srivastava

I totally fadeup with HDFC BANK & your Customer care Executives & Your Gravin Cell (Billing Section of Credit Card) always heart me, nobody can heard my problem.

Sir I want to a No Dues Certificate against my Credit Card.
My account is on hold of Rs. 30164.00 & still i am facing so many problem.

My Next step is Media, if nobody can heard my problem
My Credit Card No. [protected]
Vijay Shanker Shrivastawa
Cell # [protected]

please regenerat my user id& passward for the my treding no
595043

i wanted to open a/c in your bank
my ph-[protected]

hdfc saving a/c &hdfc cc — saving a/c fund transfer in HDFC CC

To, Date :- 26/4/09
The Manager Grievance
HDFC Bank Card Division
PO Box No.8654
Thiruvanmiyur P.O.
Chennai – 600041

Sub:- Credit Card No. [protected] Dispute
HDFC CC No. [protected]

Dear Sir/Madam

I am a customer of hdfc bank last 3 years i have no problem regarding serviceses but 2007 i got a lone 50k against my credit card and EMI is 2000 something. i am reciving no a any type of repayment sedule regarding this whatever i pay my EMI.When lone is disbursed i am paying always my EMI's.When i have extra amount i pay extra EMI's there is no problem with bank and me.I transfer my EMI's through my HDFC saving a/c.
2nd april 2009 i got notice letter i[censored] r not paying min amt which is Rs 11223.45/- before 17/04/2009 otherwise we are transfer your whatever fund in saving a/c to HDFC CC. I ask to customer care people but they are not saying anything about my HDFC s a/c &CC. 13th of april i deposite Rs22000/-in my saving a/c and transfer Rs13000/-in my HDFC CC.Before this 10th of march i deposite Rs10000/- in saving a/c and 2nd day i go to hdfc bank atm to check the balance but there is showing only Rs1033/-
I called up your legal manager ARCHANA VERMA which is mentiond in letter jo maine 2nd april ko mila tha she told me your a/c is in lein a/c. I ask again why you converted my saving a/c in lein a/c then she told me your payment is always irregular basis that why we do this .But i told her alwayes i am paying my payment in this manner only bank ne mere se kabhi nahi kaha.If i am not paying regular basis then bank ne phele mere ko letter kiyon nahi beja.She told me hamne 2nd april ko lein mein convert kiya hai but why 21st of march my saving a/c is showing only Rs1033/-

Kindly revert me as soon as possible i am very much glad for this
CC :- RBI

bombay furnishing agencies — issue a duplicate pin of my atm card

dear sir,
it's a matter of great disappointment that i have submitted application for issue a duplicate pin of my atm card twenty days ago. bt still there isn't any such response from your bank. so i kindly request u to issue the pin within 1 to 2 days.

thanking you

WHY HOLD MY AMOUNT RS 10137 TEN THOUSAND ONE HUNDRED THIRTY SEVEN ONLY.MY SEVING A/C NO [protected].PLEASE LOOK INTO THE MATTER URGENTLY.

Gentleman,

Once I furnished all documentation to open account, how much time frame required to release all documents related to account ATM card, passbook, cheque book etc.

More over please furnish your nodal officer/regional manager's contact details.

In anticiaption of your earliest response.

Kind regards


Shah Jahan

i have credit card of HDFC [protected] from last six month i am comple to write the mail to customer care that in my statement charges like finance charges, latefee charges, service tax are coming
that comes to Rs 15000/approx. i have wrote the letter to the collection centre by paying Rs 6000/Approx
that in your next bill all charges will bw reduce. you are requested to kindly clear all charges and tell me the final dues. i have stop using your card.

SUB:credit of cheque amt in my sb account number 11039481
I will receive a ECS from income tax department in my old account number which is sb 11039481.
Mean while due to takeover of Centurion Bank of Punjab by HDFC, account number has been changed.
It is requested that the cheque amount may please be credited in my new savings account, u may verify the new account number though the old account number .I would be really greatfull i[censored] help me wid the same. My number is [protected], [protected].

Many of executive doesn't know about offers and scheme. they give wrong information to customer and trying to make them fool saying sir your complaint has been registered and will look in to the issue.

Dear Nodal Officer,

My name is Lakhwinder Singh, I am having ICICI bank's saving account with me. But today i used HDFC bank's ATM to withdraw money at around 1:16 PM at Sector 44 Chandigarh. But when i tried to swap it then machine got hung up and moeny (500 Rs.) does not come out of it, then i tried again then transaction was successfully done and 500 rs. withdrawn. But on the receipt of the ATM it was showing that i have withdrawn total 1000 rs (500 + 500). My account no. is[protected]. Request you to kindly credit my 500 back into my account as soon as possible...

Thanks & Regards,
Lakhwinder Singh
Contact nos. :- [protected]
Alternate no. :- [protected]
Account no. :[protected]

HDFC Bank — Unauthorised transaction done from my savings ac

Dear Sir,
This is to bring to your notice one of the problems I have faced recently with HDFC Bank.
I have a savings bank a/c with HDFC vide ac no. [protected].
On 17thNov'09,HDFC Bank credit cards section did an auto debit from my savings account vide credit cards funds transfer card no.[protected] of Rs.21,545.62/- without my permission or previous knowledge.

I traced the following details -
Transaction authoriser - A4158128
User no. 32645
Name - Aravind

I'm persistently calling HDFC customer care.Till date there is no response(Complaint no.[protected]).
I also dropped two emails(FW: <AUTO> 'HBL=[protected]' Unauthorised transaction from my savings ac) to HDFC greivance cell but there is no response.
I visited nearby HDFC Bank and they asked me to call the credit card customer care,just blindly.No one bothered to do any help or support!

I'm being told that this transaction has been done to close my previous dues on a cancelled credit card [protected].I was not intimated about the change of card number neither did I receive any statements.I donot posses the card and also donot know about the internal card number changes done by the bank.
I have changed company as well as location and updated the details in HDFCBank webpage.
The email statements that I have been receiving since past three months cannot be opened due to change of card number.

I need your support on this issue wherein the bank has broken all rules of "FAIR PRACTICE" and code of conduct.
I need a justification/explaination for the following with appropriate refund and apologies from the bank.

1)How can the bank do an auto debit without prior permission from the customer
2)The bank if asked will never be able to show any proof of the statements and letters they say have been delivered to me
3)How can the bank be assured that the concerned person has really received the statement unless they have his signatures or credentials
4)I had a registered email id with the bank wherein I get statements regularly.Isn't it the responsibility of the bank to send notifications and other critical information to the email accounts also.Atleast the change of card number could have been intimated so that I could have paid the dues timely
5)Why wud I keep money in same bank account if I was not to pay credit card bills
6)Bank can check all my previous payment history.I was a prompt payer and the bank should have trust
7)Bank was in such hurry that they stole a big amount from my savings without even bothering to send a statement to validate the amount.
8)I trusted the bank and kept money in savings a/c.I had issued cheques to home loans and other transactions.Who will bear the penalty and bret for the bounced cheques now
9)I had lot of relationships with HDFC in terms of home loans,credit cards and savings.Due to this episode,today I have lost faith and closed all accounts/relationships with the bank.I have promised not to have any deals with such a nasty bank and will also blog on the internet about these malpractices
10)What has HDFC done with the 300+ reward points on the card?
11)What is the use of passwrod protected statements on email?When you follow so much e-security,why cannot u share the change of credit card details also on email so that the customer can open the statements by giving correct password
12)Even i[censored] deduct the money,there should be some written proof and validation to the same.Where is the calculation and proof for the same.U can email it atleast - on courtesy!

I hope I will be getting some response and support from your side on this issue.Pl find attached a snapshot of the unauthorised transaction done by the bank for your better reference.

Hope to hear from you in positive and get justice done,

Regards
Rajiv Chakraborty
[protected]
________________________________________________________________________________...⇄

I kripal datt was having a HDFC credit card in year 2002-03, I have cancelled my card in year 2003. But now in January 2010 I am getting a letter of reminder from a advocate Indus Legalia that i have an outstanding of Rs.1896/-. I have not received any statement from hadfc bank regarding this. Now when I am asking for statement of account they are refusing me to sending statement and simly saying to pay this money. Please help me what I should do.

Kripal Datt
GH 5 & 7, Flat No. 506,
Paschim Vihar, New Delhi-110087
Mobile [protected]

Caesar Pinto
Grievance Cell Officer,
HDFC Bank Ltd.,
Mumbai- 400 072.

Subject :- You impose charges when we are not up to date, but what should
we levy when you make mistakes?

Dear Sir,
We started with HDFC from Commercial Loans, Then Accounts, lastly Auto Loan.
We were abused from you agent during CV loan then our LPC’s was adjusted when
we complained against. We opened accounts on a wrong commitment by Rahul in
Naya Nangal since we had not been given that much facilities what Rahul committed.
We supplied Floor Tiles to HDFC Naya Nangal Branch and our payment was released
after 5 months upon regular visits to branch for Payment.

We bought Lancer under Auto Loan from HDFC again was a wrong commitment from
your DMA Rashpal Singh on discussing with your officers they requested for proofs.
We still are paying installments of our auto loan above what was told to us by Rashpal.

CV loans installments was completed by us since a year till date we had not received the
NOC’s. Now when we sometimes missed our installments in Auto Loan we were lived
charges of Rs 5231/- as overdue amount on 12.11.09 in our A/c[protected]

When you had not paid our payment in time(after 5 months), Not Released our NOC’s,
Not given us facilities what Rahul had committed, Not checked what was promised with us
For Lancer’s installment, then what make you to charge for overdue, for Non AQB maintenance.

Did you paid interest ?
Did we levied Overdue Charges ?
Did you paid in Time?
Did you ever think upon about your banking systems ?
Did you release our NOC’s till date?
Did you ever check whether your DMA’s are committing truth?

Then we don’t think that You Understand Our World. The punch line for your bank must be
opposite to what you utters.

We hope that we would feel comfortable banking with HDFC otherwise we are sorry .

Regards
Amandeep Gupta
OSBI, Naya Nangal.

To whomsoever this may concern
I am a HDFC titanium Card Holder, and write this in utter frustration and disgust.
The Customer Care employees have not bothered to resolve my concern even after 2 months of constant follow-up- and now, it is a pure case of Breach of Trust.

As per one of the schemes of the Bank, I was supposed to be allotted 1000 Bonus Reward Points for Additional Card Usage- which I did- and since 2 months the Reward Points have not been Credited.
My Card no. ends in 4049 and my mail ID is [protected]@rediffmail.com

To whom so ever Concern
This to Inform you that I have applied for new Saving Account /No-[protected] With the Gold card But still Ihave not received My PIN no till date .i have received SMS on my mobile that the PIN was despatched on 24 Feb 2010 But till date i have not received .Customer care is not giving the correct information that when will I receive my PIN no
this is very pathatic service I have Ever experienced
as Soon as I receive MY PIN no... I would like to Close this Account

Praveen

Dear

I m saving account holder ( No : [protected]) and also having a credit card no : [protected] . I have made a complaint to customer care and as weill as to collection team for my monthly statement hardcopy many times so that i can calculate my total payment which i hv done through credit card but non of the team has helped me . Last month i received a call from ur collection executive for installment payment i ask him to plz provide me the statement hardcopy he said we are not liable for this then i said i will pay when i receive my hardcopy at my address. w/o providing me the hardcopy they have blocked my salary account on 10 march 2010 and i received i notice from bank. Dear I want to ask to u one thing that while sending notice u people find my address then why don't u send me the statement hardcopy. I m premium customer o[censored]r bank thats why my credit limit is enhanced to 200000 lakh and on other side u are treating us like a fraud customer, is this type of services u r providing to ur customers. I also talked to Abhishek verma on given mdn, i was unable to contact him second time bcoz i hv misplaced that notice which i receive from ur side.

Secondly they have also deducted my 4050rs from account without my consent and informing me.

i am requesting u please provide me the statement copy and arrange to unblock my account.

Regards
Jai Singh
[protected]

My credit card number no ;[protected], i m the pletinum customer of HDFC bank and also having my salary account ( [protected] ) in the same bank, sir from the date
of activation of my credit card i continously complaining that i m not receveiving my credit card bills hard copy at my given
address, after so many complaints no action was taken by bank officials. Now two days back executive had called me for the payment
of installment charges, i said her that i'll it on 5 june 2010 bcoz i m posted in remote area there is no atm facility avaliable there
When on 5 th june when i visited hissar ( my home town as usaullly every weekend )and try to pay
installment of credit card through ATM the transaction was declined when i get in touch with customer care they said
that my ATM amount was put on hold. I was shocked such a big banking organisation treating there customer like this.
I m requesting u to plz take necessary action against the bank.Also arrange to unhold my cash so i can the other bills too.

Thanking u and waiting for ur positive response.

Jai Singh
[protected]